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TitanCredit.com is providing this statistical breakdown of certain types of accounts and our chances of being able to remove your item based on our past experience. Remember, we dispute inaccurately reported items and just because we have been able to remove an item in the past, does not guarantee we will remove your negative item. In alphabetical order:

Auto Loans
Bankruptcies
Child Support
Collections
Collection Accounts (Unpaid)
Charge-Off's
Credit Cards and Other Personal Loans
Forbearance
Identity Theft
Judgements
Liens
Managed By Consumer Credit Counseling
Merged Files
Mortgage Loans
Previous Credit Repair
Rapid Re-Score
Student Loans

Auto Loans

  • One time 30 days late - 80% chance of removal within 45 days

  • 30 days late more than once - 80% chance of removal within 45 days if we only focus on one late payment but 65% over 90 days if we focus on all late payments from this account

  • 60 or more days late, whether it is 1 time or several 65% over 90 days

  • Foreclosure - 50% within 35 days 60% within 90 days

  • Past Due balances - 100% within 35 days if client brings the past due balance current, otherwise 60% within 35 days, but it will get reported past due again if the past due amount is not brought current

  • Repossessions - Voluntary and Involuntary are the same percentages. 70% are removed within 90 days if the account is paid, 50% if unpaid. Unpaid Repossessions have a very good chance of getting re-reported since they still have a balance because the creditor is still owed money. (An involuntary repossession is when the bank hires a repo-man to take your car from your house while you are sleeping, a voluntary repo is when you call the bankand ask them to come get the car because you can't afford the payments. Both are bad although involuntary is worse on the credit score.)

  • Settled - 70% chance of removing settled notation within 90 days
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Bankruptcies
  • 15% within 35 days and 25% within 90 days. We have a 50% chance of removing a chapter 7 that is 7 years or older.

  • Included in Bankruptcy - 60% within 35 days and 70% within 90 days.
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Child Support
  • 70% chance of removing late payments or current or paid child support obligations within 90 days, 50% if unpaid although they run a big chance of getting re-reported if they are removed and remain past due.
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Collections
  • Unpaid - 85% chance if we are handling the settlement for deletion, otherwise 70% if client settles on their own. 50% if client does not pay at all. Keep in mind that unpaid will usually get re-reported but be careful paying without an agreement to delete since paying a collection can reduce the credit score due to flaws in the credit scoring system. ( please note that settlement for deletion only works with actual collection agencies and never banks themselves since they never settle for deletion due to policy concerns. )

  • Paid - 60% within 35 days and 70% within 90 days

  • Older than 7 years since DLA with original creditor - 90% within 40 days
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Collection Accounts (Unpaid)
  • Collection accounts are a tricky part of credit restoration and need to be handled in the best possible way in order to avoid damaging the credit score. Although we can remove a paid collection with better than a 50% success rate, for the collection accounts you have that are unpaid, it is always a good idea to settle unpaid collections for a deletion with payment when possible. It is not always possible to get the collection agency to agree to delete the account with payment, but we have been successful doing so more than 70% of the time. Keep in mind that while the average collection can be settled for around 50% of the current balance, whenever you are requesting that the collection agency also delete the account when you pay it, that collection agency will usually want 100% of what is owed to agree on the deletion aspect. It is always better to have a collection agency agreeing to delete rather than settle it for a cheap dollar amount and roll the dice afterwards to see if you can get it deleted through other means. This approach is also dependent on how much money you have to pay on these accounts, because if you only have $2000 to spend and you currently want to settle $4000 worth of collections, then you would be better off settling the accounts for 50% with no deletion in order to at least get them satisfied, but if you have the money to spare, we always suggest going for the guaranteed deletion when possible since the credit score is the most important thing (not saving a few dollars at your score's expense).

    Keep in mind that the credit card companies and other big banks DO NOT agree to delete 99% of the time, so it is always best to settle those accounts as cheaply as possible because an account settled for less than the full balance is not much worse than a charge-off that was paid in full, so save the money when you can.

    What are my options:
    • Have us settle your accounts. Although we charge a fee to settle collection accounts, it is worth it for accounts that are even as little as $80. These accounts can be hurting your credit score by 15 points or more.  By getting that account deleted you can save 100 times the fee you pay us by obtaining lower rate financing with the improved score. The score is the most important thing, not the amount you are settling for.

    • Settle them yourself. If you want to save our fee and settle the collection accounts yourself then keep a few things in mind.
      • Always get the agreement from the collection agency in writing
      • Be careful about what you say because they will try and twist it in their favor

      • It is always better to avoid taking a stance on any particular factual scenario because the collection agencies often use it against you

      • Check with your home State to see what the Statute of Limitations is on being sued for a written contractual obligation because collection agencies are usually much more accommodating when they know they can't sue you.
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Charge-Off's
  • What is a Charge-Off? A Charge-off is nothing more than a designation given to an account for accounting purposes whenever a creditor thinks it is highly unlikely they will get paid on a delinquent account and want to classify it as a bad debt for tax purposes.
    • Does That Mean I don't Have to Pay? No, a creditor can still try to collect from you and sue you after they classify the account as a charge-off. The only thing the creditor needs to do is claim the charge-off as income if they do collect on the account.

    • If I Pay the Charge-Off, Will it Get Deleted? No, it will only get updated as paid or settled if you pay less than the full balance to satisfy it. The account would then get reported as a Paid, or Settled Charge-Off, which is still detrimental to your credit score. When our Clients hire us to remove a charge-off, we challenge the legality of every aspect of the charge-off in order to accomplish getting these accounts deleted in order to help the Credit Score improve. Many times the creditors will report these accounts incorrectly and much longer than legally allowed under Federal Law. You also have to safeguard against flaws in the credit scoring software that will reduce your credit score when you pay the charge-off.

Collection accounts and Charge-off accounts are similar in the ways they are handled. There are only a few variations where they are handled differently. Usually a creditor will charge-off an account and often times sell the account to a collection agency if they feel they have a low chance of collecting on the account. The other approach creditors take is to assign the charged-off account to the collection agency where the collection agency does not own the debt but is collecting the debt on behalf of the original creditor. Often times the collection agency will give the right to collect back to the original creditor if they are unsuccessful in collecting after a certain time period. Knowing these nuances is important when determining which approach to take.

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Credit cards and other personal loans
  • One time 30 days late - 80% chance of removal within 45 days

  • 30 dayslate more than once - 80% chance of removal within 45 days if we only focus on one late payment but 65% over 90 days if we focus on all late payments from this account

  • 60 or more days late, whether it is 1 time or several 65% over 90 days
  • Foreclosure - 50% within 35 days 60% within 90 days

  • Past Due balances - 100% within 35 days if client brings the past due balance current, otherwise 60% within 35 days, but it will get reported past due again if the past due amount is not brought current

  • Charge-Offs - 70% successfully removed within 90 days if the charge-off is paid, 50% if unpaid. Unpaid Charge-offs have a very good chance of getting re-reported since they still have a balance; reason being - Creditors report accounts when it is in their best interest. Since they have money coming to them they are more likely to report. When it is paid, it does not come back because the creditors never report again after they update the account aspaid because they have no reason to waste their time since they got whatthey wanted, PAID!
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Forbearance
  • If client is being reported as currently late while they have a forbearance agreement, we are 80% within 35 days and 90% within 90 days.
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Identity Theft
  • 0% successful within 40 days, 95% within 90 days if the client gives us the required items:
  1. Identity Theft Police report saying they were a victim of identity theft

  2. Completed and Notarized ID Theft Affidavit that lists each fraudulent account on page 5 and the corresponding account number for the fraudulent account.

  3. Copy of client's drivers license

  4. Proof of current address

  5. Proof of social security ( copy of SS card preferred )
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Judgments
  • 50% within 35 days or 65% within 90 days whether paid or not. Judgments DO NOT get re-reported even if they are unpaid. This is the case for any public record. Once it comes off it stays off.
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Liens
  • 60% successful whether paid or unpaid. Liens can legally be reported for 7 years from the time they are PAID, which means they can stay forever if unpaid, although most fall off after 15 to 20 years even if they are unpaid.
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Managed by consumer credit counseling
  • 60% within 35 days and 75% within 90 days.
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Merged files
  • 80% successful at unmerging within 40 days, 90% within 90 days. A merged file occurs when 2 peoples credit reports are combined by the credit bureaus databases which is due to a similar name or social usually.
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Mortgage loans
  • One time 30 days late - 80% chance of removal within 45 days

  • 30 days late more than once - 80% chance of removal within 45 days if we only focus on one late payment but 65% over 90 days if we focus on all late payments from this account

  • 60 or more days late, whether it is 1 time or several 65% over 90 days

  • Foreclosure - 50% within 35 days 60% within 90 days

  • Past Due balances - 100% within 35 days if client brings the past due balance current, otherwise 60% within 35 days, but it will get reported past due again if the past due amount is not brought current.
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Previous credit repair
  • A client can start working with our firm immediately after leaving another credit repair company but must realize that our success rate is less since we have no way of knowing what damage the other company has done in the internal credit bureau records and also that the client does not get a guarantee if they either worked with another credit repair company or repaired their own credit in the past 2 years.
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Rapid Re-Score
  • 95% successful in removing these types of accounts within 10 days with rapid re-score. Most mortgage brokers have the ability to do a rapid re-score in which case we would only have to get the client the letter to give to the broker to enable him to do a rapid re-score. Rapid Re-score is only available in limited circumstances when the creditor agrees a blatant mistake was made (which is not that often) and also agrees to provide us with a letter stating it needs to be corrected because it is being reported wrong.
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Student loans
  • 70% chance of removing late payments or paid charge-off student loans within 90 days, 50% if unpaid although they run a big chance of getting re-reported if they are removed when they remain unpaid.
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